“Just ask ChatGPT what to invest in.”
That’s the kind of advice floating around everywhere lately.
And on the surface, it sounds great.
Open ChatGPT, type in “best ETFs to invest in,” and let the AI do its thing.
But here’s the truth most people don’t realise:
It’s not just about asking ChatGPT. It’s about how you ask.
In fact, poor prompts lead to generic answers…
Which lead to confusion, wasted time, and potentially risky decisions.
Let me show you the difference the right prompt can make.
Scenario 1: Jack’s Generic ChatGPT Experience
Jack logs into ChatGPT and types:
“What are the best ETFs to invest in?”
ChatGPT gives him a list:
- SPY (S&P 500)
- QQQ (Tech-heavy NASDAQ)
- VTI (Total US Market)
- ARKK (Innovation-focused fund)
All good ETFs. But here’s the problem:
➡️ Jack never told ChatGPT his age
➡️ He didn’t mention his goals (income? growth?)
➡️ He never shared his risk appetite or timeframe
So while the response might impress him at first, it’s actually surface-level.
Jack is back at square one — overwhelmed, with no clear direction.
Scenario 2: Susan’s Smarter ChatGPT Strategy
Now meet Susan.
Before typing anything, she’s clear on her goals:
- She’s 37
- Wants to invest for retirement in 20 years
- Prefers moderate risk with a mix of income and growth
- Values sustainability and ethical investing
Susan types:
“I’m a 37-year-old investor with a 20-year time horizon. I want a balanced portfolio of ETFs with moderate risk, income + growth potential, and an ESG tilt. Can you suggest options and highlight pros/cons?”
The result?
ChatGPT responds like an assistant who knows her:
- Suggests accumulating ETFs like CSPX and ESG-screened funds
- Highlights differences between accumulating vs distributing versions
- Mentions currency exposure risk (as she’s EU-based)
- Explains tax implications of dividends
- Even outlines sample allocations based on her profile
See the difference?
The Real Power of ChatGPT Isn’t in the Data – It’s in the Dialogue
ChatGPT is powerful.
But it doesn’t read your mind.
It mirrors back the quality of your questions.
If you feed it vague prompts, you’ll get vague answers.
If you guide it with clarity and context, it becomes a personal financial assistant.
And that’s exactly why Julia Amro and I are hosting a free webinar:
Investing Smarter with ChatGPT – Free Webinar
In this live session, we’ll teach you:
- How to frame prompts that actually work for investing
- Which ChatGPT versions to use (and how to spot hallucinations)
- What to ask when researching ETFs, stocks, and asset allocation
- And how to use AI as a sounding board for building confidence
We’ll even share real-life prompts that you can copy-paste.
Whether you’re a beginner or an experienced investor, you’ll walk away with practical tools to finally make AI work for your money — not against it.
Save your free seat here: https://moneycoachinghub.com/invest-chatgpt/
Why I Care About This
I’ve been using ChatGPT since the beginning — and believe me, I’ve made mistakes.
At first, I relied on surface-level questions. I got lost in data. I trusted answers too quickly.
But over time, I realised that AI can be transformative —
If used wisely, with the right framework and human insight.
I’m still the decision-maker.
But ChatGPT helps me ask smarter questions.
And that, my friends, is where the magic happens.
Want a Head Start?
Here are 3 prompts you can try today:
1️⃣ “Can you explain the risks and benefits of investing in an accumulating ETF like CSPX if I’m a 35-year-old EU-based investor?”
2️⃣ “Compare VUSA vs IWDA for long-term investing, considering tax implications and dividend reinvestment.”
3️⃣ “What does a balanced ETF portfolio look like for someone seeking moderate risk and retirement in 15 years?”
Let ChatGPT guide the discussion — but let you be the captain.
Final Note: This Isn’t Investment Advice
This is about learning how to use AI as an educational companion.
Always do your own research, and speak to a licensed advisor before investing.
Recap
- Bad prompts = bad advice.
- Clear prompts = a digital assistant that “gets” you.
- Join our free webinar to learn exactly how to turn ChatGPT into your investing co-pilot.
Your financial clarity doesn’t have to take hours anymore.
You just need better tools — and better questions.
And if you’re ready to go deeper, join us in the upcoming Invest Smarter with ChatGPT webinar.
Let’s turn AI into your most powerful investing ally.
———————— About the Author: Luca Caruana
Hi, I’m Luca — a Certified Money Coach and educator, passionate about helping individuals break free from limiting beliefs and build lasting wealth in a world that’s changing fast.
My mission is to empower clients with both the right mindset and the right tools — blending deep financial coaching with the power of AI-driven investing strategies. Whether you’re managing your first budget, building a confident investment plan, or exploring how ChatGPT and other tools can make you a smarter investor, I’m here to guide you.
With over a decade of experience in personal finance, investing, and mindset transformation, I’ve supported hundreds of clients in rewriting their financial narratives. My approach combines psychological insight with practical, tech-enhanced tactics — so you don’t just learn what to do with your money, but how to think differently about it.
If you’re ready to embrace a new way of building wealth — one that’s grounded, future-forward, and more accessible than ever — let’s connect. Your financial breakthrough might be one smart step away.
Let’s talk and start transforming your financial future today.